credit risk manager

EMKAN | إمكان

<div>
 
 Job Brief:
 
 
 To identify and manage credit risks. To develop and implement of a comprehensive and effective credit risk management framework that meets established internal standards, aligns with industry best practice and Ekman&rsquo;s risk profile. To support credit strategy implementation through development of policy, monitoring and forecasting credit portfolio risk.
 
 
 Job Responsibilities:
 
 <ul>
 <li>
 Develop the annual business plans for the department ensuring alignment to the function&rsquo;s strategic plan.
 </li>
 <li>
 Contribute to the formulation and implementation of the strategy in line with EMKAN&rsquo;s vision, mission and Business Focus Areas.
 </li>
 <li>
 Report on the progress of activities against the annual business plans, opportunities, challenges and issues faced, mitigations taken, etc. as required, to facilitate informed decision-making.
 </li>
 <li>
 Build and lead a motivated, engaged and competent manpower throughout the division, by setting priorities and objectives, managing performance, and providing ongoing feedback and coaching to meet the departmental challenges and goals.
 </li>
 <li>
 Serve as a role model for the Credit Risk to ensure employees awareness and commitment to EMKAN&rsquo;s vision, mission, values, EMKAN fundamentals and corporate strategy to establish a highly engaged and motivated manpower, and continuously improve performance.
 </li>
 <li>
 Manage Credit Risk staff and teams by overseeing their performance management, recruitment, training and development to ensure high levels of engagement and competence and motivated work environment.
 </li>
 <li>
 Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
 </li>
 <li>
 Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
 </li>
 <li>
 Recommend an optimum organization structure for the Credit Risk in coordination with the Human Resource Department, to ensure efficient and effective workflow of operational processes and optimal utilization of resources.
 </li>
 <li>
 Collaborate with Human Resource department in development of business unit&rsquo;s manpower plan to ensure timely and best-of-class delivery of tasks.
 </li>
 <li>
 Prepare and recommend the department&rsquo;s budget in alignment to the respective annual business plan.
 </li>
 <li>
 Oversee costs and activities are monitored on a regular basis highlighting any relevant opportunities and issues, to facilitate appropriate decision-making in line with changing priorities.
 </li>
 <li>
 Manage the implementation and contribute towards the development of Credit Risk policies, systems, processes, procedures and controls covering all areas of the function so that all relevant procedural/legislative requirements are fulfilled while delivering a quality, cost-effective service in a consistent manner.
 </li>
 <li>
 Manage the continuous improvement of existing policies, processes and procedures to drive incremental benefits through efficiencies and better insights and analysis.
 </li>
 <li>
 Build high levels of trust and understanding with internal and external stakeholders to promote full compliance with industry regulations and promote broader understanding of EMKAN interests and practices.
 </li>
 </ul>
 
 Qualification and Experience:
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in Finance, Business Administration, or any other relevant field (Master&rsquo;s degree is preferred).
 </li>
 <li>
 Minimum of 10-12 years of relevant experience in Credit Risk Function.
 </li>
 </ul>
</div>

Senior Credit Risk Manager

Dicetek LLC

The Head of Retail Credit is a strategic leadership role responsible for overseeing and managing the bank's retail credit portfolio in the UAE. This position plays a crucial role in developing and implementing retail credit policies, managing credit risk, and ensuring the quality and profitability of the bank's retail loan portfolio. Reporting to the Chief Credit Officer, the Head of Retail Credit will be instrumental in aligning retail credit strategies with the bank's overall risk appetite and business objectives while navigating the dynamic landscape of the UAE's retail banking sector and adhering to regulatory requirements. Main Accountabilities (Maximum of 10) 1. Retail Credit Strategy and Policy Development: <ul> <li>Develop and implement comprehensive retail credit policies and procedures aligned with the bank's risk appetite and UAE Central Bank regulations.</li> <li>Collaborate with senior management to establish credit risk frameworks and lending guidelines for various retail banking products.</li> </ul> 2. Portfolio Management and Optimization: <ul> <li>Oversee the bank's retail credit portfolio, ensuring diversification, quality, and alignment with strategic objectives.</li> <li>Implement strategies to optimize the risk-return profile of the retail credit portfolio.</li> </ul> 3. Credit Scoring and Underwriting: <ul> <li>Lead the development and implementation of credit scoring models and underwriting criteria for retail banking products.</li> <li>Continuously refine and enhance credit assessment methodologies to improve decision accuracy and efficiency.</li> </ul> 4. Risk Monitoring and Reporting: <ul> <li>Develop and maintain robust systems for monitoring credit risk across the retail portfolio.</li> <li>Provide regular reports and insights to the Chief Credit Officer and senior management on portfolio performance, trends, and potential risks.</li> </ul> 5. Regulatory Compliance and Relationship Management: <ul> <li>Ensure compliance with UAE Central Bank regulations, Basel guidelines, and international best practices in retail credit risk management.</li> <li>Manage relationships with regulators, external auditors, and rating agencies on matters related to retail credit.</li> </ul> 6. Team Leadership and Development: <ul> <li>Build and lead a high-performing retail credit team, fostering a culture of excellence, innovation, and risk awareness.</li> <li>Implement strategies for talent acquisition, retention, and development, with a focus on building specialized expertise in retail credit analysis.</li> </ul> 7. Process Automation and Digital Transformation: <ul> <li>Drive the adoption of advanced analytics, machine learning, and AI technologies to enhance credit decision-making processes.</li> <li>Collaborate with IT and Digital Banking teams to implement automated credit approval systems and digital lending platforms.</li> </ul> 8. Collections and Recovery Strategies: <ul> <li>Oversee the development and implementation of effective collections and recovery strategies for retail credit products.</li> <li>Monitor and optimize the performance of collections activities to minimize credit losses.</li> </ul> 9. Cross-functional Collaboration: <ul> <li>Work closely with Retail Banking, Marketing, and Product Development teams to align credit strategies with business growth objectives.</li> <li>Collaborate with Risk Management, Legal, and Compliance departments to ensure a holistic approach to risk management.</li> </ul> 10. Emiratization and Knowledge Transfer: <ul> <li>Champion Emiratization initiatives within the Retail Credit department, fostering the development of local talent.</li> <li>Implement knowledge transfer programs to build UAE national expertise in retail credit risk management.</li> </ul> Qualifications, Skills & Experience Basic Qualifications, Skills & Experience <ul> <li>Master's degree in finance, Economics, Statistics, or a related field from a globally recognized institution.</li> <li>Minimum 12 years of experience in banking or financial services, with at least 8 years in senior retail credit risk management roles.</li> <li>Comprehensive understanding of retail credit analysis, risk management principles, and UAE banking regulations.</li> <li>Strong knowledge of credit scoring models, portfolio management techniques, and retail banking products.</li> <li>Proven track record in developing and implementing credit policies and risk management frameworks.</li> <li>Excellent leadership and team management skills with a focus on driving performance and innovation.</li> <li>Strong analytical and problem-solving abilities with a data-driven approach to decision-making.</li> <li>Exceptional communication and negotiation skills, with the ability to influence at senior levels.</li> <li>Fluency in English is essential; Arabic language skills are highly desirable.</li> </ul> Preferred Qualifications, Skills & Experience <ul> <li>Professional certifications such as FRM, CFA, or relevant credit risk management qualifications.</li> <li>Experience working in multiple GCC markets or international retail banking environments.</li> <li>Track record of successfully managing retail credit portfolios through economic cycles and market volatilities.</li> <li>Demonstrated ability to navigate complex regulatory environments and manage relationships with regulatory bodies.</li> <li>Published thought leadership in retail credit risk management or related fields.</li> <li>Experience in implementing advanced credit risk modelling techniques and AI/ML technologies in credit decisioning.</li> </ul><img src="https://www.jobg8.com/Tracking.aspx?2BLAx2Vk0CbkY2ODCFYKIJFP7qwrlQHig" width="0" height="0" />

Head of Retail Credit (UAE Nationals only)

Citi

<div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
The Senior Intake Analyst (AVP) &ndash; Consumer Credit Risk will own the change management of multiple credit risk-related changes, ensuring requirements documentation, alignment with profitability goals and strong risk management disciplines. This role is pivotal in managing control breaks, supporting business-as-usual (BAU) activities, and maintaining operational excellence within the credit risk framework. The individual will ensure effective governance, process adherence, and timely execution of initiatives that impact credit risk strategy and performance.
The position requires project management, and collaboration skills to work across multiple stakeholders, including risk, operations, technology, and compliance teams, to ensure changes are delivered efficiently, risks are controlled, and profitability targets are met.
Key Responsibilities:<ul><li>
Change Management:<ul><li>
Lead the end-to-end change management process for credit risk initiatives, including new product introductions, regulatory updates, credit policy changes, and system enhancements.</li><li>
Oversee the successful implementation of changes, ensuring adherence to timelines, budget, and quality standards while minimizing operational disruption.</li></ul></li><li>
Control Break Management &amp; Remediation:<ul><li>
Identify and manage control breaks within credit risk processes, ensuring timely remediation to mitigate operational and compliance risks.</li><li>
Collaborate with risk control and audit teams to implement solutions that strengthen internal controls and align with regulatory expectations.</li><li>
Ensure continuous monitoring and improvement of credit risk processes to prevent future control breaks and drive operational resilience.</li></ul></li><li>
Business-as-Usual (BAU) Oversight:<ul><li>
Manage BAU activities related to credit risk, ensuring that ongoing processes, including risk assessments, reporting, and compliance checks, are executed effectively.</li><li>
Ensure BAU activities support both profitability and risk discipline goals, aligning with the broader organizational objectives.</li><li>
Collaborate with credit risk teams to identify process improvements that enhance efficiency, reduce costs, and maintain high levels of risk control.</li></ul></li><li>
Cross-Functional Collaboration &amp; Stakeholder Management:<ul><li>
Partner with technology, operations, risk, and compliance teams to ensure the successful delivery of credit risk changes and projects.</li><li>
Lead cross-functional meetings and governance forums to ensure alignment on change priorities, risks, and timelines.</li><li>
Serve as a liaison between senior management and working teams, ensuring that change initiatives are well-communicated and aligned with organizational strategy.</li></ul></li><li>
Risk &amp; Profitability Alignment:<ul><li>
Ensure that all credit risk changes, control breaks, and BAU activities are managed in a way that aligns with profitability goals and enhances risk management practices.</li><li>
Use data and analytics to evaluate the impact of changes on the organization&rsquo;s risk profile, making recommendations for improvements where necessary.</li><li>
Collaborate with finance and risk teams to measure the financial impact of credit risk changes, ensuring alignment with the organization&rsquo;s profitability objectives.</li></ul></li><li>
Process Optimization &amp; Continuous Improvement:<ul><li>
Lead efforts to continuously improve the change management and intake processes, ensuring they are agile, efficient, and responsive to the evolving needs of the credit risk landscape.</li><li>
Leverage process improvement methodologies (e.g., Lean, Six Sigma) to enhance the effectiveness of credit risk management processes.</li><li>
Foster a culture of continuous improvement within the team, encouraging innovation and the use of technology to streamline processes.</li></ul></li></ul>
Key Qualifications:<ul><li>
Educational Background:<ul><li>
Bachelor&rsquo;s degree in Business, Finance, Risk Management, or a related field. Advanced degrees and certifications in project management or risk management are a plus.</li></ul></li><li>
Change Management Experience:<ul><li>
8-12 years of experience in credit risk, change management, or project management roles, with a proven track record of leading cross-functional teams and managing complex change initiatives.</li><li>
Experience managing control breaks and BAU activities within a highly regulated financial services environment.</li><li>
Strong project management skills, with experience in developing and executing detailed plans to deliver changes on time and within budget.</li></ul></li><li>
Risk &amp; Control Expertise:<ul><li>
Deep understanding of credit risk management, risk control frameworks, and regulatory requirements related to credit risk.</li><li>
Demonstrated ability to identify and manage risks associated with credit risk changes and control breaks, ensuring timely remediation and long-term solutions.</li></ul></li><li>
Cross-Functional Collaboration:<ul><li>
Strong collaboration and stakeholder management skills, with experience working across risk, operations, technology, and compliance teams.</li><li>
Proven ability to influence and drive consensus among senior leaders and cross-functional teams, ensuring alignment on change priorities and risk management goals.</li></ul></li><li>
Analytical &amp; Financial Acumen:<ul><li>
Strong analytical skills, with the ability to use data and metrics to evaluate the impact of credit risk changes on profitability and risk performance.</li><li>
Experience working with finance and risk teams to ensure changes are aligned with the organization&rsquo;s financial and risk management objectives.</li></ul></li><li>
Process Improvement Mindset:<ul><li>
Experience leading process improvement initiatives using methodologies such as Lean or Six Sigma to optimize change management and risk control processes.</li><li>
A commitment to continuous improvement, with the ability to lead teams in identifying and implementing more efficient, effective ways of managing credit risk changes.</li></ul></li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Senior Intake Analyst (AVP) – Consumer Credit Risk

Maxemo Capital

Position: Credit Head/ Manager - (Unsecured Business Loan)Company: Maxemo Capital - NBFCJob Summary: The Credit Manager is responsible for assessing and managing credit risk associated with the NBFC's working capital lending activities. This includes evaluating the creditworthiness of potential borrowers, setting credit limits, monitoring existing loans, and implementing risk mitigation strategies. The Credit Manager will work closely with the sales and underwriting teams to ensure that lending decisions align with the company's risk appetite and regulatory compliance.Key Responsibilities:<ul><li>Credit Assessment:CAM Preparation</li><li>Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data.</li><li>Utilize credit scoring models and risk assessment tools to make informed lending decisions.</li><li>Underwriting:</li><li>Determine appropriate loan structures, terms, and conditions based on the risk profile of the borrower.</li><li>Collaborate with the underwriting team to ensure accurate and timely processing of loan applications.</li><li>Credit Policy Development:</li><li>Contribute to the development and refinement of the company's credit policies and guidelines.</li><li>Ensure that lending practices adhere to regulatory requirements and industry best practices.</li><li>Risk Mitigation:</li><li>Implement risk mitigation strategies, including collateral requirements, guarantees, and covenants, to protect the NBFC's interests.</li><li>Portfolio Management:</li><li>Monitor the performance of existing loans and take necessary actions in case of any emerging risks or defaults.</li><li>Conduct periodic reviews of client financials to assess ongoing creditworthiness.</li><li>Relationship Management:</li><li>Build and maintain strong relationships with borrowers, ensuring clear communication and understanding of lending terms.</li><li>Compliance and Reporting:</li><li>Ensure compliance with all relevant regulatory requirements, including reporting to regulatory bodies as necessary.</li><li>Generate and analyse credit-related reports to support decision-making and risk assessment.</li></ul>Qualifications:<ul><li>10+ Years of Experience</li><li>Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous.</li><li>Proven experience in credit analysis and risk management within an NBFC or financial institution, with a focus on working capital lending(Business loan, OD, CC Limits etc)</li><li>Strong understanding of financial statements, credit risk assessment techniques, and industry-specific risk factors</li></ul>Location- Netaji Subhash Place, DelhiJob Type: Full-timePay: &#8377;600,000.00 - &#8377;1,000,000.00 per yearApplication Question(s):<ul><li>What is your notice period?</li><li>How many years of experience you have in Unsecured business loans?</li><li>Do you have own vehicle for physical PDs?</li></ul>Work Location: In person

Credit Head - Retired from PSU Banks

<div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
U.S. Personal Banking (USPB) is a major business at Citi. The In-Business Credit &amp; Franchise Risk Organization within USPB is responsible for managing the credit and franchise risk of the USPB business. The Head of In-Business Credit &amp; Franchise Risk reports to the CEO of USPB.
One of the groups within In-Business Credit &amp; Franchise Risk Organization is Enterprise Risk and Balance Sheet Management. This group is responsible for executing Enterprise Risk Management (ERM) programs including Risk Identification, Risk Appetite &amp; Limits, New Activities/Product Risk, ERM Risk Monitoring and framework execution. Additionally, this group is pivotal for In-Business Balance Sheet Management, focusing on USPB Capital Resource Management, Recovery &amp; Resolution planning, and Tangible Common Equity (TCE) analytics.
This role is part of the In -Business Balance Sheet Management Team. This individual will be working on key analysis and driving key initiatives contributing to the successful management of capital constraints.
Responsibilities 
The candidate will be a key resource to perform or support the following responsibilities:<ul><li>
Perform stress loss forecasting in alignment with CCAR/CECL framework, evaluate drivers to stress losses support recommendations for Risk Appetite limits to the Business CRO and CEO for approval.</li><li>
Perform In-Business Std RWA (Risk Weighted Asset), ARWA (Credit &amp; Ops) and capital (TCE: Tangible Common Equity) and RoTCE forecasting based on CCAR and other internal stress testing scenarios consistent with firm&rsquo;s risk appetite framework and strategic plans.</li><li>
Perform monitoring and detailed analysis of Spot RWA (Std, Adv Credit &amp; Ops) metrics and trends. This includes conducting weekly driver analysis to identify key contributing factors, anomalies, and potential impacts on capital adequacy, ensuring strict adherence to established risk limits and regulatory requirements.</li><li>
Conduct in-depth analytical assessment of balance sheet components (assets, liabilities, and equity) to identify trends, understand key drivers, and analyze interdependencies impacting capital and risk.</li><li>
Support the team in ongoing initiatives aimed at optimizing capital utilization, enhancing balance sheet efficiency, and improving risk management practices.</li><li>
Build presentations with supportive analysis, storyboard results for senior management &amp; executive management team.</li></ul>
Qualifications<ul><li>
4+ years of work experience in financial services or management consulting with heavy focus on financial risk management</li><li>
Working knowledge of Credit Cards and other consumer bank products P&amp;Ls, key risk &amp; return dynamics and loss drivers.</li><li>
Good understanding of Capital and Balance Sheet Management, CCAR &amp; CECL framework, Basel III Endgame</li><li>
Hands on experience in retail credit risk analytics using analytical or data management tools (e.g., SAS, SQL, Pearl, FRM, VBA, Advanced Excel) and power-point presentation skills.</li><li>
Excellent quantitative and analytical skills, ability to derive trends, insights, and perform risk/reward trade-off analysis</li></ul>
Leadership Competencies<ul><li>
Demonstrated history of driving change and managing for results.</li><li>
Efficiently solves complex, ambiguous problems / situations.</li><li>
Collaborative work style; effectively interacts with partners across organizational boundaries and hierarchies.</li><li>
Contributes to a positive work environment and remain calm under pressure.</li><li>
Consistently demonstrate clear and concise written and verbal communication.</li></ul>
Education<ul><li>
Preferred Master&rsquo;s degree in quantitative disciplines such as Financial Engineering, Operation Research, Econometrics, Statistics or similar quantitative discipline; OR MBA Finance</li></ul>
-
Job Family Group:
Risk Management
-
Job Family:
Portfolio Credit Risk Management
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

USPB Enterprise Risk & Balance Sheet Management- Financial Risk-Intermediate Analyst

Solvecube Pte. Ltd.

<div>
 
 SolveCube is an award winning AI enabled Talent Solutions Platform for middle and senior level professionals. SolveCube is working with global consulting firms, mid and large enterprises across Asia Pacific and Middle East to fulfil their talent needs for permanent, short-term, part-time, interim and turnkey assignments.
 
 
 One of our clients a reputed bank in Dubai is looking for Credit Risk Analyst
 
 
 
 
 
 P.S- This role is open only for UAE Nationals.
 
 
 
 
 
 
 Job Description &ndash; Credit Risk Analyst
 
 
 
 
 
 
 
 1 JOB TITLE
 
 
 
 Credit Risk Analyst
 
 
 
 
 
 
 2DEPARTMENT
 
 
 
 Retail Banking Credit
 
 
 
 
 
 
 3 REPORTING TO
 
 
 
 Head of Retail Credit Policy
 
 
 
 
 
 
 
 
 Export to Sheets
 
 
 
 
 
 
 4. JOB PURPOSE
 
 
 
 
 
 <ul>
 <li>
 Portfolio Analytics' including generation of
 </li>
 <li>
 
 MIS, Reports, and Management Presentation packs
 
 of all Asset Products falling within the domain of Personal Banking, and Islamic Retail banking.
 </li>
 <li>
 Support and work closely with Manager Retail Credit Policy to
 
 develop and implement Credit Risk Policies, processes and procedures
 
 .
 </li>
 </ul>
 
 
 
 
 
 5. Principal Accountabilities
 
 
 
 
 Work Management
 
 
 <ul>
 <li>
 Responsible for analyzing
 
 Scorecards, Limit assignment, and Impairment model management
 
 including other related Risk models to identify both risk and opportunity areas.
 </li>
 <li>
 Provide support to Head of Retail Credit Policy in meeting Risk Management Department&rsquo;s objectives.
 </li>
 <li>
 Work closely with
 
 IT, Finance, and other departments
 
 to generate timely and accurate MIS/Dashboards.
 </li>
 <li>
 The incumbent should have a bias to
 
 automate the various reports
 
 .
 </li>
 <li>
 Identify credit risks / trends under different scenarios and provide analytical support for making specific business decisions.
 </li>
 <li>
 Participate as a Team member and undertake responsibility for the
 
 improvement of the on-going management of credit risk reports and analyses
 
 in an accurate, efficient and timely manner.
 </li>
 <li>
 Ability to
 
 identify data points and data sources
 
 to build a comprehensive, accurate and complete credit information database.
 </li>
 <li>
 Facilitate in
 
 Data Warehousing process
 
 and retrieval and Analysis of Data.
 </li>
 <li>
 Represent the team in initiatives pertaining to
 </li>
 <li>
 
 data warehousing, data analysis automation, and analytics
 
 .
 </li>
 </ul>
 
 
 
 
 
 6. JOB CONTEXT
 
 
 
 
 
 
 (Internal or external environment in which the job operates)
 
 <ul>
 <li>
 The economic conditions are changing and so are the risk profiles.
 </li>
 <li>
 The jobholder needs to review continuously the Bank&rsquo;s strategy for credit risk and provide due recommendations to the
 
 Head of Credit Risk
 
 .
 </li>
 <li>
 This job achieves criticality as it needs
 </li>
 <li>
 
 Regulatory Compliance requirements
 
 .
 </li>
 <li>
 The jobholder needs to review continuously the Bank&rsquo;s strategy for credit risk and provide due recommendations to the
 
 Management
 
 .
 </li>
 </ul>
 
 
 
 
 
 7. COMMUNICATION &amp; WORKING RELATIONSHIPS
 
 
 
 
 
 <ul>
 <li>
 Regular meetings with Management to consult issues and work progress.
 </li>
 <li>
 Ongoing contact with all internal business managers to obtain and exchange information on risk management.
 </li>
 </ul>
 
 
 
 
 
 9. FRAME WORK, BOUNDARIES &amp; DECISION MAKING AUTHORITY
 
 
 
 
 
 
 (Nature of authority both financial &amp; Non-financial if applicable)
 
 <ul>
 <li>
 Works within the overall direction and guidelines set by the
 </li>
 <li>
 
 Head of Risk Management
 
 .
 </li>
 <li>
 Job holder&rsquo;s recommendations and proposals are major inputs for decision making.
 </li>
 </ul>
 
 
 
 
 
 10. QUALIFICATIONS
 
 
 
 
 
 <ul>
 <li>
 Degree in
 
 Finance, / Analytics
 
 .
 </li>
 <li>
 Possesses knowledge of
 
 Credit and Financial Analysis
 
 .
 </li>
 <li>
 Basic knowledge of Credit Risk.
 </li>
 <li>
 To be familiar with
 
 Rating and Scoring models
 
 .
 </li>
 <li>
 High Proficiency in
 
 EXCEL &amp; SAS
 
 .
 </li>
 <li>
 Communication Ability &ndash; written and spoken.
 </li>
 </ul>
 
 
 
 
 
 11. EXPERIENCE
 
 
 
 
 
 
 (Number of years, type &amp; at what level etc.)
 
 <ul>
 <li>
 
 2 &ndash; 3 years
 
 of having handled Retail credit MIS/analytics including familiarity with Scorecard analytics.
 </li>
 </ul>
 
 
 12. SKILLS
 
 
 
 
 
 <ul>
 <li>
 Analytical skills.
 </li>
 <li>
 Good command of English.
 </li>
 <li>
 Strong investigative and interpretive skills.
 </li>
 <li>
 Persuasive communication / presentation skills.
 </li>
 </ul>
 
 
 
 
 
 13. COMPETENCIES
 
 
 
 
 
 <ul>
 <li>
 Thinking analytically.
 </li>
 <li>
 Communicating effectively.
 </li>
 <li>
 Attention to detail.
 </li>
 <li>
 Taking initiatives.
 </li>
 </ul>
 
 
</div>

Credit Risk Analyst

Raqamyah | رقمية

<div>
 
 
 Company Description
 
 
 
 Raqamyah | رقمية is the leading crowdfunding platform in Saudi Arabia licensed by the Saudi Central Bank (SAMA). The company empowers SMEs by providing quick and accessible financing solutions while offering attractive investment opportunities with competitive returns to investors. Utilizing innovative financial technologies, Raqamyah aims to boost economic growth by supporting entrepreneurs and investors.
 
 
 
 
 
 Role Overview:
 
 
 The
 
 Risk Manager
 
 is responsible for designing, implementing, and maintaining a comprehensive risk management framework across Raqamyah&rsquo;s operations, in alignment with the
 
 Saudi Central Bank (SAMA) Risk Management and Corporate Governance Regulations
 
 . The role ensures that all material risks &mdash; credit, operational, liquidity, market, compliance, and information security &mdash; are effectively identified, assessed, monitored, and reported.
 
 
 This is a critical control function supporting Raqamyah&rsquo;s mission to maintain prudent risk culture, regulatory compliance, and financial sustainability as the company scales its institutional and retail lending operations.
 
 
 
 
 
 Key Responsibilities:
 
 
 
 
 
 1. Risk Governance &amp; Framework
 
 <ul>
 <li>
 Establish and maintain Raqamyah&rsquo;s
 
 Enterprise Risk Management (ERM)
 
 framework, policies, and procedures in line with
 
 SAMA requirements
 
 .
 </li>
 <li>
 Ensure proper risk governance structure, including
 
 risk appetite statements, limits, and key risk indicators (KRIs)
 
 .
 </li>
 <li>
 Facilitate periodic reviews and approval of risk policies by the
 
 Risk Committee and the Board of Directors
 
 .
 </li>
 <li>
 Promote a
 
 strong risk culture
 
 across all departments through training, awareness, and reporting.
 </li>
 </ul>
 
 
 
 
 2. Credit &amp; Portfolio Risk
 
 <ul>
 <li>
 Oversee the credit risk management framework for
 
 SME and micro-lending portfolios
 
 .
 </li>
 <li>
 Review borrower assessment methodologies, credit scoring models, and default probability estimates.
 </li>
 <li>
 Monitor portfolio concentration, delinquency, and
 
 Expected Credit Loss (ECL)
 
 under
 
 IFRS 9
 
 .
 </li>
 <li>
 Work closely with the Credit and Collections teams to manage exposures, early warning signals, and provisioning adequacy.
 </li>
 <li>
 Prepare risk analytics and performance dashboards for
 
 institutional lenders and board reporting
 
 .
 </li>
 </ul>
 
 
 
 
 3. Operational &amp; IT Risk
 
 <ul>
 <li>
 Identify, assess, and monitor
 
 operational risks
 
 arising from people, systems, processes, and external factors.
 </li>
 <li>
 Develop and maintain the
 
 Risk Control Self-Assessment (RCSA)
 
 and incident reporting processes.
 </li>
 <li>
 Coordinate with the
 
 Cybersecurity and GRC
 
 teams to ensure compliance with
 
 SAMA Cybersecurity Framework
 
 ,
 
 NCA controls
 
 , and
 
 PDPL
 
 .
 </li>
 <li>
 Support
 
 business continuity and disaster recovery
 
 planning and testing.
 </li>
 </ul>
 
 
 
 
 4. Regulatory, Reporting &amp; Board Support
 
 <ul>
 <li>
 Prepare periodic
 
 risk dashboards and heat maps
 
 for the CEO and Board Risk Committee.
 </li>
 <li>
 Ensure full compliance with
 
 SAMA&rsquo;s Risk Management, Governance, and Internal Control Guidelines
 
 .
 </li>
 <li>
 Coordinate with
 
 Internal Audit, Compliance, and Finance
 
 to close regulatory findings and ensure continuous improvement.
 </li>
 <li>
 Maintain up-to-date
 
 Risk Register
 
 ,
 
 Key Risk Indicators (KRIs)
 
 , and
 
 loss event data
 
 .
 </li>
 </ul>
 
 
 
 
 Qualifications &amp; Experience
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in
 
 Finance, Risk Management, Accounting, or related field
 
 (Master&rsquo;s preferred).
 </li>
 <li>
 
 5&ndash;10 years
 
 of experience in risk management, preferably within a
 
 SAMA-regulated financial institution or fintech
 
 .
 </li>
 <li>
 In-depth understanding of
 
 SAMA Risk Management Framework
 
 ,
 
 IFRS 9
 
 , and
 
 credit risk modeling
 
 .
 </li>
 <li>
 Experience in SME lending or consumer finance is a plus.
 </li>
 <li>
 Strong quantitative, analytical, and reporting skills.
 </li>
 </ul>
 
 
 
 
 Preferred Certifications
 
 <ul>
 <li>
 
 FRM (Financial Risk Manager)
 
 &ndash; GARP
 </li>
 <li>
 
 CRM / CRMP / PRM
 
 certifications
 </li>
 <li>
 
 CFA (Chartered Financial Analyst)
 
 &ndash; advantage
 </li>
 <li>
 
 ISO 31000 Risk Management Certification
 
 </li>
 <li>
 
 SAMA or CMA regulatory training
 
 </li>
 </ul>
 
 
 
 ﻿
 
 
 
 
 Key Competencies
 
 <ul>
 <li>
 Strong analytical and critical thinking.
 </li>
 <li>
 Deep understanding of risk management practices and regulatory requirements.
 </li>
 <li>
 Excellent communication and presentation skills (Arabic and English).
 </li>
 <li>
 High ethical standards, integrity, and independent judgment.
 </li>
 <li>
 Ability to work cross-functionally with technology, credit, finance, and compliance teams.
 </li>
 </ul>
 
 
 
</div>

Risk Manager

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